American Family vs. Oregon Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Oregon Mutual offers slightly less expensive rates than American Family
• American Family tends to be a much more affordable option for drivers with a DUI
• Oregon Mutual offers more affordable premiums for policyholders who have a clean driving record, free of collisions, tickets, or DUIs

American Family or Oregon Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might have narrowed it down to American Family or Oregon Mutual, but which company has cheaper rates for insurance?

As you can see, American Family is around $5 more a month than Oregon Mutual when looking at the national average rates for car insurance.

However, that doesn't necessarily mean Oregon Mutual will be the less expensive option for every single driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things). So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

So, if you want to find out which of American Family or Oregon Mutual is really the best for you, keep reading to see average prices for each company broken down by lots of different rate factors.

American Family vs. Oregon Mutual: Average Car Insurance Rates by State

American Family and Oregon Mutual only compete against each other in three states, with American Family offering cheaper premiums to the average driver in all of them. If you live in Oregon, Oregon Mutual is the more affordable of the two companies when looking at the overall average rates. American Family is the cheaper option in Idaho and Washington.

There are plenty of other factors that go into your car insurance cost than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers out there on the road. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have American Family for their insurance pay over 10% less than those who use Oregon Mutual. It's worth noting that American Family offers car insurance in 16 different states compared to Oregon Mutual's three, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both carriers will drop prices once you turn 25. For example, average premiums for American Family policyholders reduce about $200 and Oregon Mutual's rates lower almost $250 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever find.

But who has the best prices for retired drivers between American Family and Oregon Mutual? Oregon Mutual gets the slight edge here, with average rates coming in at around $100 per month compared to American Family's $107.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are normally more affordable for married drivers than they are for single drivers? That's typically because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

If you're in the market for auto insurance, Oregon Mutual tends to have the lowest average prices regardless of if you're married or single, with prices nearly 10% less expensive for married policyholders and about 2% more affordable for single policyholders.

American Family or Oregon Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to car insurance men will generally end up paying a little more.

Women usually pay around 3% per month less than men with American Family, and almost 10% less with Oregon Mutual when compared to their male counterparts.

When it comes to the cheapest rates for each gender, Oregon Mutual comes out as the most affordable option for both genders, with average prices $2 less for men and $9 cheaper for women.

American Family vs. Oregon Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be pretty complicated. There are many different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

But most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

When it comes to state minimum limits for liability insurance, American Family has the edge, while Oregon Mutual offers the lowest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $1 with American Family Insurance, while full coverage comes out to be about $15 cheaper with Oregon Mutual.

Is American Family or Oregon Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two companies offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use American Family for their auto insurance can typically expect their monthly bill to go up around 20% after getting a speeding ticket. Oregon Mutual policyholders can expect a less drastic increase of about 9%.

That being said, Oregon Mutual has less expensive rates for drivers in both categories, offering premiums that are 6% and 17% cheaper, respectively, compared to American Family Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through American Family can expect to see around an $20 -- or about 14% -- rise in their auto insurance rates. Drivers who use Oregon Mutual for their insurance will see a monthly bill around $22 (or 17%) more expensive after reporting an accident to their auto insurance carrier.

At the end of the day, the less expensive prices come from Oregon Mutual, with average premiums coming in at $133 compared to American Family Insurance's $138.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Oregon Mutual drivers usually see a 35% climb in their car insurance prices after a DUI charge, while American Family will normally increase rates by about 25%.

American Family has the overall cheapest premiums for drivers with a DUI on their records at $158 a month, but it's worth noting that American Family's average rates come from 16 states compared to just three for Oregon Mutual, so the data may be skewed slightly.

How does Credit Score Impact American Family and Oregon Mutual Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it might come into play for quite a few policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at American Family and Oregon Mutual, which carrier has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, American Family will generally reward you the most. For policyholders with "excellent" credit scores, American Family comes in nearly 13.79 more affordable. Drivers with "good" credit scores usually save around 1% with American Family compared to average premiums from Oregon Mutual.

Which Company is Best for Drivers with Bad Credit?

Oregon Mutual typically offers lower rates than American Family when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 8% a month less with Oregon Mutual compared to American Family, and those with "poor" scores typically save an average of around 15% monthly.

Is American Family or Oregon Mutual Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly car insurance payment? Generally, the more milage you put on your vehicle, the more you can expect to pay for insurance.

Oregon Mutual tends to be the cheaper option for both remote workers and those taking short commutes. American Family's average prices for drivers with 6,000 annual miles come in about 4% more expensive than Oregon Mutual. Those who drive 12,000 miles annually can expect to pay around 4% more with American Family over Oregon Mutual.

American Family or Oregon Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for auto insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Oregon Mutual normally comes out as the more affordable option for drivers in rural and urban areas, while American Family wins in suburban areas.

Those in rural areas can expect to save about 5% with Oregon Mutual compared to American Family. People who live in suburban areas pay around 3% less with American Family compared to Oregon Mutual. For drivers in urban ZIP codes, Oregon Mutual's average rates are about 9% less than American Family Insurance.

American Family vs. Oregon Mutual Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by American Family and Oregon Mutual so that you can see which one can save you the most money each month.

American Family blows Oregon Mutual away when it comes to the sheer amount of discounts available, offering six more discounts than Oregon Mutual.

There are a couple discounts both carriers offer, but American Family also offers discounts for connect partner, COVID-19 relief, DRL, and more.

On the other hand, Oregon Mutual has a few proprietary discounts of their own for things like csl discounts, driver training discounts, employee discounts, and more.

Final Thoughts: Is American Family or Oregon Mutual Best for You?

So, you've seen how different variables can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right company for you and your specific needs?

Oregon Mutual might be best for you if....

• You will be the only person on the auto insurance policy.
• You've started working from home and don't have much of a commute.

American Family might be best for you if...

• Your driving record includes a DUI charge.
• You're looking for the best rates on liability only coverage.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between American Family and Oregon Mutual. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several companies, not just American Family and Oregon Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

American Family vs. Oregon Mutual FAQs

Is American Family or Oregon Mutual cheaper?

Oregon Mutual is the less expensive of the two companies when looking at national average premiums, with policies averaging $135 per month with Oregon Mutual and $140 for American Family. However, that doesn't mean Oregon Mutual will be the most affordable carrier for everyone, since there are several different factors that come into play when it comes to your insurance bill.

Who is better, American Family or Oregon Mutual?

Unfortunately, the real answer is "it depends.". No single company is "better" for each policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do American Family and Oregon Mutual offer me different rates?

Auto insurance carriers use many different variables when determining the prices they charge. Things like gender, your driving record, where you park your car, age, and sometimes even things like your credit score can all be used. Both American Family and Oregon Mutual use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if American Family or Oregon Mutual is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't American Family or Oregon Mutual at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.